On the refinance you do not pay points if you use a FDIC bank or credit union so you avoid the BS fee's.

I heard David Greene talk about getting a line of credit with a bank and then make a deal that you refinance with them.

Our long term goal is to establish our business over the next couple years (generating income history, credit, credibility, etc.) before I retire from military service and transition to full time real estate investing. 

What is a general credit score I should have for my tenants to qualify for a rental property?

I am getting outbid by out-of-state folks.Are there any tips to winning an offer other than outbidding them?

I've always thought of hard money more in terms of the qualification of the borrower (asset value vs. personal credit).

.- I have a mixed use property with 2 commercial spaces rented for the last 2.5 years and 1 short term rental/residential space I have airbnb'd/lived in part time for the past 2.5 years- I owe about $110,000 and have about $200,000 in equity- My credit is 580 - 620 right now due to being laid off last year and missing a couple of credit card payments.

I do keep larger multifamily in separate LLC.To do one LLC I have multiple bank accounts (taxes, rent deposits,  operating and reserves),  seperate credit card, tax ID, tax filing, property management login, and email. 

While I do currently have one investment property, this will be my first house hack, so I am very excited to learn any tips and tricks to look out for in this particular market.Looking forward to hearing from you guys!

Curiously, if an investor has LLCs with business credit such as credit cards, LOCs, etc. when the lender pulls the borrower's credit do they also pull the LLC debts to calculate personal "net-worth" or do they just use FICO data, etc?